I haven't had my wedding yet but after much debate I did decide to go with an outside photographer. Here were some of my reasons:
1. The quality of Disney's photos seems to vary greatly between brides. Some are WONDERFUL but others are awful
And sometimes it sounds like the photographers have been just plain rude.
2. You can't pick your photographer with Disney, I want to know who will be there on my wedding day not just hope it will be one of my top picks and feel really disappointed if it's not who I wanted.
3. Even if you could pick I didn't know who I would ask for... it seems I've heard mixed reviews on most of them. Now Disney does have a site and each photographer has a portfolio so that would be helpful but before that it was hard to compare them.
4. With Disney's package you only get 20 photos that they pick for you- they may not even be your favorites! Plus you don't own the rights to your pics and you have to pay big bucks to get your pics on a CD. Maybe someone else can chime in on what the price is now but when I did my comparison you could book Randy's smallest package (which includes a disc with the rights) for about the same price as buying Disney's disc... so to me it just made sense to know who my photographer was going to be since I was going to be spending that $ anyways to get the disc!
In the end I decided I really liked Misty Miotto's work so I decided to spend just a little more to have her but I feel 100% confident that I will LOVE my wedding photos... where before I was constantly stressing it.
Disney goes back and forth with what you can do with the photo portion of your package... it used to be you could receive a honeymoon shoot in place of it (this wasn't in wedding gear, just in the park during regular hours), then they wouldn't let you exchange for anything. Recently I have heard of brides having both Disney and their outside photographer there, Disney kind of stands in the background and lets your photographer take the lead. I'm not sure how that works though bc most photographers have in their contract that they will be the only photographer for the event.
Hope that helps! Good luck with your decision!